I have the opposite problem: I'm trying to [i]get[/i] the behavior the O.P. mentions. I'm running 1.4.1.3. In Options->Gallery->Gallery Behavior, I don't have the option "enable user name login field", even though "Details" are given for it on the right hand side. I have checked this with a single (Master) admin account, and when adding a guest account. I also can't add an account without a username (despite numerous indications that this is possible!).
The information in the user's overview (http://www.zenphoto.org/news/an-overview-of-zenphoto-users) could be out of date, since most of the options and user categories it mentions aren't in the places it quotes. E.g.:
Quote:Gallery guest user: This username/password is set on the Options-Gallery Configuration tab. When set, the entire gallery is protected and viewers must login to view anything.
Thanks!